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Here's how to become a licensed Medicare agent

How to Become a Medicare Insurance Agent

Interested in selling health insurance? If so, it can be hard to know where to start. Let’s talk about the role of a Medicare agent and how to become one.  

What Does a Medicare Agent Do?

Independent Medicare agents (aka brokers) represent the top insurance companies, helping clients find the right health plan at the right price. They consider the client’s budget and lifestyle needs. Then, they help you understand your options by comparing quotes from multiple carriers (without bias). 

Your agent can help answer your questions and guide you through the confusing process of Medicare. Plus, they provide ongoing support after enrollment. If you need to change your coverage or file a claim or appeal, a Medicare agent is there for you.  

Important Steps to Take 

Take these specific steps to become a Medicare agent:

1. Obtain Your Health Insurance License

2. Complete America’s Health Insurance Plans (AHIP) certification

3. Get Errors and Omissions (E&O) Insurance 

4. Contract with multiple carriers  

5. Complete Annual Carrier Medicare Certifications

6. Meet Continuing Education Requirements

Keep in mind — each state has different licensing procedures and requirements. 

Get Licensed

First things first, you have to get a health insurance license — in the state you live in (currently). You’ll get the essential training to know how Medicare plans work. During the license process, you will study:

  • Coinsurance
  • Deductibles
  • Healthcare laws
  • Professional ethics and compliance
  • Networks like HMO, PPO, and PFFS
  • Claims adjudication  

Many states require certain study hours before you take the health insurance exam. 

When you pass your state health insurance exam, you’re officially certified to sell products in your resident state — once the testing center sends your successful test score to the state. This process usually takes a few days. 

Continuing Education

Keep your insurance license active by finishing your continuing education credits through courses. According to the Texas Department of Insurance, an individual must complete a minimum of “4 hours of department certified continuing education.”

How Does a Medicare Agent Get Paid? 

Medicare agents don’t play favorites. At TSS, our job is to provide an unbiased opinion on different insurance plans. We partner with the top carriers — but we ultimately represent YOU as our client. You don’t pay us anything and your premiums don’t go up because you’ve worked with us. 

We make a commission from the insurance carrier for selling their products. If you buy directly from the carrier, they keep that commission and you don’t receive the customer service that you’d get from an independent agency like us.  

Call Trusted Senior Specialists

TSS agents take pride in helping beneficiaries nationwide in choosing Medicare, cancer, and life insurance plans and annuity products that are right for their lives. We make it easy. Start a free comparison on our website, schedule a video chat, or call (844) 325-8710.